Prudential Premier Retirement Variable Annuities

These benefits are:
▪ Highest Daily Guaranteed Return Option II*
▪ Guaranteed Return Option Plus II*
* Available only for Annuities issued with an application signed prior to January 24, 2011, subject to availability which may vary by firm.
Please see “Living Benefits” for more information.
Death Benefits: You may name a Beneficiary to receive the proceeds of your Annuity upon your death. Your death benefit must
be distributed within the time period required by the tax laws. Each of our Annuities offers a minimum death benefit.
Please see “Death Benefits” for more information.
Purchase Credits: We apply a “Purchase Credit” to your Annuity’s Account Value with respect to certain Purchase Payments you
make under the X Series Annuity. The Purchase Credit is equal to a percentage of each Purchase Payment. The amount of the
Purchase Credit depends on your age at the time the Purchase Payment is made and the number of years that the Annuity has been
in force. Because the X Series Annuity grants Purchase Credits with respect to your Purchase Payments, the expenses of the
X Series Annuity are higher than expenses for an Annuity without a Purchase Credit. In addition, the amount of the Purchase
Credits that you receive under the X Series Annuity may be more than offset by the additional fees and charges associated with the
Purchase Credit.
Fees and Charges: Each Annuity, and the optional living benefits and optional death benefits, are subject to certain fees and
charges, as discussed in the “Summary of Contract Fees and Charges” table in the prospectus. In addition, there are fees and
expenses of the underlying Portfolios.
What does it mean that my Annuity is “tax-deferred”? Variable annuities are “tax deferred”, meaning you pay no taxes on any
earnings from your Annuity until you withdraw the money. You may also transfer among your Investment Options without paying
a tax at the time of the transfer. When you take your money out of the Annuity, however, you will be taxed on the earnings at
ordinary income tax rates. If you withdraw money before you reach age 59 1 ⁄2, you also may be subject to a 10% federal
tax penalty.
You may also purchase one of our Annuities as a tax-qualified retirement investment such as an IRA, SEP-IRA, Roth IRA, 401(a)
plan, or non-ERISA 403(b) plan. Although there is no additional tax advantage to a variable annuity purchased through one of
these plans, the Annuity has features and benefits other than tax deferral that may make it an important investment for a qualified
plan. You should consult your tax advisor regarding these features and benefits prior to purchasing a contract for use with a
tax-qualified plan.
Market Timing: We have market timing policies and procedures that attempt to detect transfer activity that may adversely affect
other Owners or portfolio shareholders in situations where there is potential for pricing inefficiencies or that involve certain other
types of disruptive trading activity (i.e., market timing). Our market timing policies and procedures are discussed in more detail in
the section entitled “Restrictions on Transfers Between Investment Options.”
Other Information: Please see the section entitled “General Information” for more information about our Annuities, including
legal information about Pruco Life, the Separate Account, and underlying funds.
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